It is highly unlikely that pears could cause constipation, and in fact they are likely to have the opposite effect. Due to the high amount of fiber that pears contain, they are sometimes used as a remedy for constipation.
An underwriter is a company or other entity that administers the public issuance and distribution of securities from a corporation or other issuing body.
Underwriters are the main link between the insurance company and the insurance sales agent. They are responsible for calculating the level of risk and therefore the size of the premium payments, before writing the policies.